Visa Signature Black / Visa Signature Black Plus RBC Bank (U.S.) Typical U.S. Dollar Based Credit Cards (Canada) Most Rewards-Based Travel Cards (not U.S. Dollar)
Ideal for Regular U.S. travellers or residents looking for an easy way to make U.S. purchases, earn rewards points and avoid foreign transaction and exchange fees. Occasional travellers to the U.S. who sometimes use a credit card for U.S. purchases and want to avoid the cost of foreign exchange. Canadians who typically don’t travel to the U.S. They are focused on earning rewards points for Canadian or overseas travel.
Fees
Visa Signature Black / Visa Signature Black Plus RBC Bank (U.S.) Typical U.S. Dollar Based Credit Cards (Canada) Most Rewards-Based Travel Cards (not U.S. Dollar)
Annual Fee20
  • $0 — Signature Black
  • $75 USD — Signature Black Plus
$35 - $65 USD $110 - $150 CAD
Additional Card Fee $0 $0 - $30 USD $30 - $50 CAD
Foreign Transaction Fee None for U.S. purchases None for U.S. purchases 2.5% - 3.0% for U.S. purchases
Points and Perks
Visa Signature Black / Visa Signature Black Plus RBC Bank (U.S.) Typical U.S. Dollar Based Credit Cards (Canada) Most Rewards-Based Travel Cards (not U.S. Dollar)
Rewards Points6
  • 1 point per $1 spent – Signature Black
  • 1.5 points per $1 spent – Signature Black Plus
1 point per $1 spent 1.5 point per $1 spent
Cash Back24 Redeemed Through Rewards Points
  • 1.0% – Signature Black
  • 1.25% – Signature Black Plus
Not Available Not Available
Pool Points with Friends and Family Yes No No
Transfer Points Across the Border7 Yes No No
Annual Summary Statement Yes No No
Visa Signature Perks Yes No No, but may have access to Visa Infinite benefits
24/7 Concierge Service Yes No Sometimes Available
Travel & Emergency Assistance23 Yes Sometimes Available Sometimes Available
Roadside Assistance Yes Sometimes Available Sometimes Available
Insurance9
Visa Signature Black / Visa Signature Black Plus RBC Bank (U.S.) Typical U.S. Dollar Based Credit Cards (Canada) Most Rewards-Based Travel Cards (not U.S. Dollar)
Trip Cancellation or Interruption Up to $5,000 Sometimes Available.

$2,500 - $5,000

Sometimes Available.

$500 - $2,500

Travel Accident $500,000 Typically $500,000 Typically $500,000
Lost Luggage Reimbursement Up to $3,000 Sometimes Available Sometimes Available
Auto Rental Collision Damage Waiver Yes Sometimes Available Sometimes Available
Cellular Telephone Protection Up to $200 No No
Warranty Manager Service Yes No No
Extended Warranty Protection Yes Yes Yes
Purchase Security Yes Yes Yes